Holiday lights and decorations provide a festive glow, but it only takes a spark to cause a devastating fire. Triple-I offers these tips to keep your festivities merry and bright.
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A Loss History Report is a record of insurance losses associated with a home or a car. Most homeowners and auto insurance companies contribute claims history information to a database known as the Comprehensive Loss Underwriting Exchange (C.L.U.E.), which is available from LexisNexis. The information is generally used by insurers when they underwrite policies.
Like any residence, your vacation home needs to be insured—but because the risks are different, the coverage might cost more than your primary homeowners policy. Before you leap into second-home ownership, consider the factors that will likely affect the price you’ll need to pay for insuring it.
Earthquakes can cause much harm to home structures. They can damage housing foundations and collapse walls; even relatively mild tremors can destroy furnishings and belongings.
Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water.
Don’t confuse mudflows with mudslides as there are distinct differences. Mudslides occur when a mass of earth or rock moves downhill, propelled by gravity. They typically don't contain enough liquid to seep into your home, and they aren't eligible for flood insurance coverage. In fact, mudslides are not covered by any policy.
Self-storage units can be a good way keep clutter out of your home. And having the right insurance coverage is the best way to financially protect your off-premise belongings.
A volcanic eruption is one of nature’s most destructive forces, and can result in damage or destruction to homes, businesses, transportation and agriculture.